EFTA00134039

90A-NY-3151227-GJ Serial 6 •1 of 1. FD-302 (Rev. 5-8-10) FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/20)9 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Comcast provided the attached response, dated August 20, 2019. Investigation on 08/20/2019 at New York, New York, United States (Fax) File SI 90A—NY-3151227—GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its concerns arc not to be distributed outside your agency. EFTA00134039 EXON: Fax United States Attorney's off:re TC:Mla PAGE: 001 OF 005 8/20/2019 1:53 PM 4t. COMCAST FACSIMILE TRANSMITTAL SHEET FROM "as Comcast Legal Response Center COMPANY: DATE: UNted States Attorney's Office 8/20/2019 3:53:43 PM FAX NUMBED- TOTAL NO. OF PAGES INCLUDING COVER 5 IMM PHONE NUMBER: SENDER'S REFERENCE NUMBER LCR429440 RE: YOUR REFERENCE NUMBER: LRC Compile:Kt 2019R01059 ®FOR REVIEW 0 PLEASE COMMENT 0 PLEASE REPLY 0 PLEASE RECYCLE 0 URGENT NOTES/ COMMENTS Attached you will fmd Comcast's response to the above refermced you have any questions regarding this matter, please contact the Legal Response Center a Sincaely, Comeast Legal Response Center 650 CENTERTON ROAD, MOORESTOWN. NJ OROS] AUG-20-2019 15:59 91% P.001 EFTA00134040 9/20/2019 3:53 PM FROM: Fax United States Attorney's Office TO: PAGE: 002 of 005 Legal Response Caster 1800 Bishops Gate Boulevard COMCAST 8054 CONFIDENTIAL August 20, 2019 AUSA MEM United States Attorney's Office Onc SL Andrew's Plaza New York , New York (NY) 10007 RE: Subpoena Comcast File 11: LCR429440 Ref ft 2019R0159 Dear AUSA The Subpoena received on 08.20-2019 with respect to the above referenced matter has been forwarded to the Legal Response Center for a reply. The Subpoe t to produce certain subscriber records pertaining to the following telephone number:ta from 07-06-2019 to date as of Subpoena, 08-13.2019 00:00:00. Based on the information provided pursuant to the Subpoena, the subscriber information obtained has been provided below: Target Phone No: Subscriber Name: SSN: Service Address: NORTH PLAINFIELD, NJ 070603737 Type of Service: Comcast Digital Voice Start of Service: Associated Numbers: Text Messages: la None found (Not Comcast Provided) Call Detail Records: See all available attached to date of Subpoena If you have any questions regarding this matter, please feel free to call IIMES Very Truly Yours, Comcast Legal Response Center AUG-20-2019 15:59 91Y. P.002 EFTA00134041 9/20/2019 3:53 PM FROM: Fax United States Attorney, Office TO: OEM PAGE: CO3 OF 005 LINOS Ticket ID LCR429440 Telephone Number 9082796215 Call Type Terminating Start Date 07-06-2019 00:00:00 End Date 08-13-2019 00:00:00 Call Date Connect Time From Number To Number Billable Time 07.06.2019 09:40:37 00:00:13 07-08.2019 20:48:03 00:00:12 07-08-2019 20:48:03 00:00:00 07-09-2019 16:45:17 00:00:09 07-10-2019 12:29:55 00:00:07 07-11-2019 14:50:00 00:00:42 07-11.2019 17:44:44 00:00:05 07.13.2019 14:37:26 00:00:10 07-13-2019 16:18:28 00:00:06 07-16-2019 14:11:12 00:00:06 07-17-2019 13:59:25 00:00:09 07-17-2019 17:19:40 00:00:16 07-17-2019 20:13:51 00:00:00 07-18-2019 14:41:34 00:00:06 07-18.2019 18:50:29 00:00:07 07-20-2019 16:07:59 00:00:15 07-25.2019 15:57:52 00:00:02 07-30-2019 11:11:12 00:00:07 07-30-2019 12:14:59 00:00:00 07-30-2019 12:15:31 00:00:33 07-30-2019 12:15:31 00:00:00 07-31-2019 13:21:14 00:00:17 07-31-2019 17:06:05 00:00:05 08-05-2019 16:43:11 00:00:08 08-07-2019 12:21:58 00:00:13 08.09.2019 11:34:06 00:00:00 08.10.2019 09:31:02 00:00:00 08.10.2019 15:22:23 00:00:06 08-10-2019 15:22:23 00:00:00 08-10-2019 16:34:53 00:00:05 08-10-2019 16:35:22 00:00:09 08-12-2019 16:48:03 00:00:08 08-12-2019 16:48:24 00:00:12 08-12-2019 16:48:47 00:00:09 08.12.2019 16:49:31 00:00:00 08-12-2019 16:49:31 00:00:56 08-12-2019 16:51:30 00:01:19 AUG-20-2019 16:00 91% P.003 EFTA00134042 8/20/2019 3:53 PM FROM: Fax United States Attorney's Office TO: PAGE: 004 OF 005 LINOS Ticket ID LCR429440 Telephone Number 9082796215 Call Type Originating Start Date 07-06-2019 00:00:00 End Date 08-13-2019 00:00:00 Call Date Connect Time From Number To Number Billable Time 07-08-2019 20:48:03 00:00:12 07-11-2019 11:06:52 00:03:52 07-16-2019 12:00:55 00:01:15 07-20-2019 11:37:16 00:01:26 07-30-2019 12:15:31 00:00:33 08.10.2019 15:22:23 00:00:06 08-12.2019 16:49:31 00:00:56 AUG-20-2019 16:00 91% P.004 EFTA00134043 8/20/2019 3:S3 PM PROM: Fax United States Attorney's Office TO: PAGE: 005 Of 005 04/20/2019 TUB 14145 FAX 1004/005 Declaration of Custodian of Records Pursuant to 28 U.S.C.§ 1746, I, the undersigned, hereby declare: My name is Nicole A ODonnell (name of &darn° I tun a United States citizen and I am over eighteen years of age. I am the custodian of records of the business named below, or I am otherwise qualified as a result of my position with the business named below to make this declaration. of a Grand Jury Subpoena, dated August 13, 2019, and signed by Assistant United States Attorney requesting specified records of the business named below. Pursuant to Rules 902(11) and 803(6) of the Federal Rules of Evidence, I hereby certify that the records provided herewith and in response to the Subpoena: (I) were made at or near the time of the occurrence of the matters set forth in the records, by, or from information transmitted by, a person with knowledge of those matters; (2) were kept in the course of regularly conducted business activity; and (3) were made by the regularly conducted business activity as a regular practice. I declare under penalty of perjury that the foregoing is true and correct. Executed on 8-20-2019 (dale) Nicole A aDonneli Electronic Signature (Agralute of declimn1) Nicole A ODonnell Legal Analyst (name and title of dcelatunt) Comcast (nasal business) 1800 Bishops Gate Boulevard (baRittnitaurel, NJ 08054 Definitions ()rums used above: As defined in Ped. R. Evid. 803(6), "record" includes a memorandum, report, record, or data compilation, in any form, of acts, evens, conditions, opinions, or diagnoses. The term 'tininess" as used in Fed. R. Evid. 803(6) and the above declaration Includes business, institution, association, profession, occupation, and calling of every kind, whether or not conducted for profit. AUG-20-2019 16:00 91% P.005 EFTA00134044 8/20/2019 3;42 PH FROM: FAX United States Attorney's Office TO: PAGE: 001 OF 005 4k COMCAST FACSIMILE IRAN SMITTAL SHEET TO: FROM Comcast Legal Response Center COMPANY: DATE: United States Attorneys Office 8/20)2019 3:42:12 PM PAX NUMBER: TOTAL NO. OF PAGES INCLUDING COVER: S PHONE NUMBER. SENDERS REFERENCE NUMBER: LCR429440 RE: YOUR REFERENCE NUMBER: LRC Compliance 2019R01059 ❑ URGENT El FOR REVIEW ❑ PLEASE COMMENT ❑ PLEASE REPLY ❑ PLEASE RECYCLE NOTES, CONOCENTS Attached you will fmd Comcast's response to the above referenced Su ena If you have any questions regarding this matter, please contact the Legal Response Center at Sincerely, Comcast Legal Response Center 6S0 CF.NTERTON ROAD. MOORESTOWN. NJ 08057 AUG-20-2019 15:47 91% P.001 EFTA00134045 8/20/2019 3:42 PM FROM: Fax United States Attorney's Office TO: PAGE: 002 OF 005 Legal Response Center 1800 Bishops Gate Boulevard COMCAST Mount La NJ 08054 Tel 866-947-5587 Fax CONFIDENTIAL August 20, 2019 AUSA United States Attorney's Office One St. Andrew's Plaza New York , New York (NY) 10007 RE: Subpoena Comcast File #: LCR429440 Ref # 2019R0159 Dear AUSA The Subpoena received on 08-20-2019 with respect to the above referenced matter has been forwarded to the Legal Response Center for a reply. The Subpoena uests Comcast to produce certain subscriber records pertaining to the following telephone number: from 07-06-2019 to date of Subpoena, 08-13-2019 00:00:00. Based on the information provided pursuant to the Subpoena, the subscriber information obtained has been provided below: Target Phone No: Subscriber Name: SSN: Service Address: NORTH PLAINFIELD, NJ 070603737 Type of Service: Comcast Digital Voice Start of Service: Unknown Associated Numbers: (Not Comcast Provided) Text Messages: None found Call Detail Records: See all available attached to date of Subpoena AUG-20-2019 15:48 P.002 EFTA00134046 90A-NY-3151227-GJ Serial 7 •1 of 1. FD-302 (Rev. 5-8-10) FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/2039 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Equifax provided the attached response, dated September 16, 2019. Investigation on 09/16/2019 at New York, New York, United States (, Other (Unknown)) Fik# 90A-NY-3151227-GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its contents arc not to be distributed outside your agency. EFTA00134047 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name isnli I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA00134048 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name is I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA00134049 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name is I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA00134050 EQUIFAX° Equifax, Inc PO Box 105139 September 16, 2019 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax hasprovided the entire creditfile, but has removed blank pages andpages containing consumer notices that automatically print with the consumerfile. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134051 EQUIFAX° Equifax, Inc PO Box 105139 September 16, 2019 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax hasprovided the entire creditfile, but has removed blank pages andpages containing consumer notices that automatically print with the consumerfile. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134052 EQUIFAX° Equifax, Inc PO Box 105139 September 16, 2019 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax hasprovided the entire creditfile, but has removed blank pages andpages containing consumer notices that automatically print with the consumerfile. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134053 EZWIFAX CREDIT FILE : September 16, 2019 Confirmation # 9259041182 Personal Identification Information (This section includes your name, current andprevious Please address all future correspondence to: addresses, and any oth on reported by your creditors.) www.equifax.com/personal/disputes Name On File: Equifax Information Services LLC Social Security # XXX-XX-8558 Date of Birth: P.O. Box 740241 Current Address: Atlanta, GA 30374 Previous Address(es): M - F 9:00am to 5:00pm in your time zone. Last Reported Employment: DOJ Bureau; Collection Agency Information (This section includes accounts that credit grantors have placed for collection with a collection agency.) Stern Recovery Servcies, Inc.; Collection Reported 08/2019; Assigned 01/2018; Creditor Class - MedicaVHealth Care; Original Creditor - First Health of • nt - $125 ; Status as of 08/20 - • • te of 1st Delinquency 05/2016; Balance as of 08/2019 - $125 ; Individual Account; Account # - 5KOWS; Address: Greensboro NC 27401-2182 : Credit Account Information (For your security, the last 4 digits of account number(s) have been replaced by) (This section Includes open and closed accounts reported by credit grantors) Account Column Title Descriptions: Account Number - The Account number reported by credit grantor Amount Past Due - The Amount Past Due as of the Date Reported Date Acct. Opened - The Date that the credit grantor opened the account Date of Last Paymnt - The Date of Last Payment High Credit - The Highest Amount Charged Actual Pay Amt - The Actual Amount of Last Payment Credit Limit - The Highest Amount Permitted Sched Pay Amt - The Requested Amount of Last Payment Terms Duration - The Number of Installments or Payments Date of 1st Delinquency - The Date of First Delinquency Terms Frequency - The Scheduled Time Between Payments Date of Last Actvty - The Date of the Last Account Activity Months Reviewed - The Number of Months Reviewed Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported Activity Designator - The Most Recent Account Activity Charge Off Arnt - The Amount Charged Off by Creditor Creditor Class - The Type of Company Reporting The Account Deferred Pay Date - The 1st Payment Due Date for Deferred Loans Date Reported - Date of Last Reported Update Balloon Pay Amt - The Amount of Final(Balloon) Payment Balance Amount - The Total Amount Owed as of the Date Reported Balloon Pay Date - The Date of Final(Balloon) Payment Status - Condition of Account When Last Updated by Creditor Date Closed - The Date the Account was Closed or Otherwise Account History 1 30-59 Days Past Due 5 : 150-179 Days Past Due J Voluntary Surrender Status Code 2 60-89 Days Past Due 6 : 180 o More Days Past Due K Repossession 3 90-119 Days Past Due G : Collection Account L Charge Off Descriptions 4 120-149 Days Past Due H : Foreclosure ( Continued On Next Page ) Page 6 of 22 9259041182CVJ-002734482- 1- 1- S EFTA00134054 When you place a security freeze on your Equifax credit report, you will be provided a 10-digit personal identification number (PIN) to use if you choose to temporarily lift or permanently remove the security freeze from your credit report. To make either request, you can contact Equifax by phone or mail and provide all the following: 1. Proper identification. 2. The unique PIN provided by Equifax when you placed the security freeze. 3. If requesting a temporary lift, specify the period of time for which the credit report is to be available (for example, from March 15, 2018 to March 21, 2018). You can also create or sign into your account on www.equifax.com to authorize the temporary lift or permanent removal of your security freeze from your Equifax credit report. Equifax will authorize the release of your credit report within one hour after receiving the above information if the request is by phone or electronic means or no later than three business days when a written request is submitted. Placing, lifting, and removing a security freeze on your Equifax credit report is free. Page 5 of 22 9259041182CVJ-002734482- 1- 1- S EFTA00134055 EFTA00134056 EFTA00134057 EFTA00134058 EFTA00134059 EFTA00134060 EFTA00134061 EFTA00134062 EFTA00134063 EFTA00134064 EFTA00134065 EFTA00134066 EFTA00134067 EFTA00134068 EFTA00134069 EFTA00134070 EFTA00134071 EFTA00134072 EFTA00134073 EFTA00134074 EFTA00134075 EFTA00134076 EFTA00134077 EFTA00134078 EFTA00134079 EFTA00134080 EFTA00134081 EFTA00134082 EFTA00134083 EFTA00134084 EFTA00134085 EFTA00134086 EFTA00134087 EFTA00134088 EFTA00134089 EFTA00134090 EFTA00134091 EFTA00134092 EFTA00134093 EFTA00134094 EFTA00134095 EFTA00134096 EFTA00134097 EFTA00134098 EFTA00134099 EFTA00134100 EFTA00134101 EFTA00134102 EFTA00134103 EFTA00134104 EFTA00134105 EFTA00134106 EFTA00134107 EFTA00134108 EFTA00134109 EFTA00134110 EFTA00134111 EFTA00134112 EFTA00134113 EFTA00134114 EFTA00134115 EFTA00134116 EFTA00134117 EFTA00134118 EFTA00134119 EFTA00134120 EFTA00134121 EFTA00134122 EFTA00134123 EFTA00134124 EFTA00134125 90A-NY-3151227-GJ Serial 8 •1 of 1. FD-302 (Rev. 5-8-10) FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/2039 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Experian provided the attached response, dated September 16, 2019. Investigation on 09/16/2019 at New York, New York, United States (, Other (Unknown)) mk# 90A—NY-3151227—GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its contents arc not to be distributed outside your agency. EFTA00134126 EFTA00134127 EFTA00134128 Credit Profile from Experian Inc. Page 3 of 3 Top o( DOQQ If:go:kW Ft Form 0 Copyright Experian Information Solutions, Inc. All rights reserved. https://ea2.ce.experiannet.com/jAccess/inquiry 9/16/2019 EFTA00134129 Rick V. Haas Custodian of Records Allen, Texas 75013 Experian Consumer Affairs www.experian.com S. ' experiart EFTA00134130 S. . P.O.Box 1240 .6expean. n Allen. TX 75013 wwwaxperian.corn September 16, 2019 AUSA United States Attorney's Office One Saint Andrew's Plaza New York, NY 10007 RE: Subpoena for the credit records of , et al. Experian's Ref. # 149544595 Dear AUSA Donaleski: We are unable to locate credit records for and Tova A. Noel at this time. No record was found for Tova A. Noel using the informationprovided and additional identification information is need to pull records on Our database is a unique system in which full identification must be input in order to retrieve a credit profile on a particular individual. To ensure a complete credit profile, Experian uses full name, including middle name and generation code (Sr., Jr. 1,11,111, etc.), current address including zip code, previous addresses for the past two years including zip codes, social security number, and date of birth. Please provide in writing, any additional identification information for these individuals and a copy of the subpoena within 30 days and we will process your request. Enclosed please find the record for If I may be of further assistance, please do not hesitate to contact me at the number listed below. Sincerely, (Lat. V. 14-tan -- Rick V. Haas Custodian of Records ri n nsumer Affairs Enclosures EFTA00134131 (hand Jury Subpoena praithstates gsietrie anurt SOUTHERN DISTRICT OF NEW YORK TO: Experian Consumer Affairs Special Services Attention: Rick ilaas Custodian ofRecords Allen, TX 75013 GREETINGS: WE COMMAND YOU that all and singular business and excuses being laid aside, you appear and attend before the GRAND JURY of the people of the United States for the Southern District of New York, at the United States Courthouse, 40 Foley Square, Room 220. in the Borough of Manhattan, City of New York, Ncw York, in the Southern District of New York, at the following date, time and place: Appearance Date: September 13, 2019 Appearance Time: 9:00 a.m. to testify and give evidence in regard to alleged violation of: 18 U.S.C. §§ 1791, 201. and not to depart the Grand Jury without leave thereof; or of the United States Attorney, and that you bring with you and produce at the above time and place the following: Please see the attached rider. Re nal a cc is not uired if there mated records arc 1 xoduced on or before the return date to AUSA , and (2) accompanied by an executed copy of the attached Declaration of Custodian of Records. Failure to attend and produce any items hereby demanded will constitute contempt of court and will subject you to civil sanctions and criminal penalties, in addition to other penalties of the Law. DATED: New York, New York August 30, 2019 beef 1.1, ettW61.49-4,1:, GEOFFRE S.BERMAN United States Attorney Assistant United States Attorney rev. 02.01.12 EFTA00134132 RIDER (Grand Jury Subpoena to Experian, dated August 30, 2019; USAO 2019R01059) ftEOUEST: Please provide all financial account information, including credit reports, relating to the following. individuals: DOB Tova A. Noel, DOB SSN Michael A. Thomas, DOB SSN In lieu of an appearance you may comply with this subpoena by providing the requested information w" b " certification pursuant to Fed. R. Evid. 803(6)' to AUSA r EFTA00134133 Declaration of Custodian of Records Pursuant to 28 U.S.C. § 1746,1, the undersigned, hereby declare: My name is V. 14-et.4.1 (ism ord.:clam') I am a United States citizen and I am over eighteen years of age. I am the custodian of records of the business named below, or I am otherwise qualified as a result of my position with the business named below to make this declaration. I Grand Jury Subpoena, dated August 30, 2019, and signed by Assistant United States Attorney requesting specified records of the business named below. Pursuant to Rules 902(11) and 803(6) of the Federal Rules ofEvidence, I hereby certify that the records provided herewith and in response to the Subpoena: (I) were made at or near the time of the occurrence of the matters set forth in the records, by. or from information transmitted by, a person with knowledge of those matters; (2) were kept in the course ofregularly conducted business activity; and (3) were made by the regularly conducted business activity as a regular practice. 1declare under penalty of perjury that the foregoing is true and correct. Executed on 41-11-I1 (dye) (Wk.. V. 14-st-ivr..- (signature of&tamp CAAS'Fb Ottawa. D4 f Gcot.-LJ (none mash deckant). E )(ft Ka pwae of Wilms) (hornets at) Ake.... Tx -We 0 Definitions of terms used above: As defined in Fed. R. Evid. 803(6), "record" includes a memorandum, report, record, or data compilation, in any form, of acts, events, conditions, opinions, or diagnoses. The term "laminate as used in Fed. R. Evid. 803(6) and the above declaration includes business, institution, association, profession, occupation, and calling of every kind. whether or not conducted for profit. EFTA00134134 Glossary of account conditions and payment status Version 8 — Numeric • •••• • ••••• Lxperban. ••• This glossary is for interpreting data on the Credit Profile Report from Experian. For information on how to report data, please refer to the Credit Reporting Resource Guide (CRRG) developed by the Consumer Data Industry Association. Account conditions Code Account Explanation Code Account Explanation condition condition A BK7PET Petitioned for Chapter 7 bankruptcy X BKI2RESC Reaffirmation of debt rescinded Chapter 12 bankruptcy B BKIIPET Petitioned for Chapter II bankruptcy BK13RESC Reaffirmation of debt rescinded Chapter 13 bankruptcy C BKI2PET Petitioned for Chapter 12 bankruptcy Al OPEN Open account BKI3PET Petitioned ton Chapter 13 A2 PAID Paid account/Zero balance bankruptcy A3' CLOSED Closed account E BK7DISC Discharged through A4 INACTIVE Inactive account Chapter 7 bankruptcy ea CR CDLOST Credit card lost or stolen F BK11DISC Discharged through Chapter 11 bankruptcy 05 TRANSFER Account transferred to another office G BKI2DISC Discharged through Chapter 12 bankruptcy 10 REFINANC Account renewed or refinanced H BKI3DISC Discharged through 21* DECEASED Consumer reported as deceased Chapter 13 bankruptcy 66* POBYDLER Credit grantor paid by the company BK7DISM Dismissed Chapter 7 bank' uplcy that originally sold the merchandise BKIIDISM Dismissed Chapter I t bankruptcy 67' BKLIOREO Debt included in or discharged through Chapter 7, 11 or 12 K BK12D1SM Dismissed Chapter 12 bankruptcy bankruptcy BKI3DISM Dismissed Chapter B bankruptcy 68 SETTLED Account legally paid in full for less M BK7W/D Withdrawn Chapter 7 bankruptcy than the lull balance N BK11W/13 Withdrawn Chapter 11 bankruptcy 691 BKADJPLN Debt included in or discharged through Chapter 13 bankruptcy 0 BK12W/D Withdrawn Chapter 12 bankruptcy as SCNL LOC Consumer now located/Was credit BK13W/D Withdrawn Chapter 13 bantouptcy grantor could not locate consumer Ft BKREAFF Reaffirmation of debt 87' FOREPROC Foreclosure proceeding started V BK7RESC Reaffirmation of debt rescinded 811* GOVCLAIM Claim filed with government for Chapter 7 bankruptcy insured portion of balance on loan w BK1IRESC Reaffirmation of debt rescinded Chapter 11 bankruptcy 'An aVertsA tits(es (here nu) be a need for foltre, twee. EFTA00134135 Account conditions (continued) Code Account Explanation Code Account Explanation condition condition DEE DLIEU Credit grantor received deed for 94' FORECLOS Credit grantor reclaimed collateral collateral in lieu of foreclosure on to settle defaulted mortgage a defaulted mortgage 96' VOLUSURR Voluntary surrender 91* TRMDFALT Early termination by default 96• RE FOSSES Merchandise was taken back by of original terms of lease or sales contract credit grantor/There may be a balance due IN SCL AIM Claim filed for insured portion CHARGOFF Unpaid balance reported as a loss of the balance COLLACCT SCNL Credit grantor cannot Account seriously past due/Account assigned to locate consumer attorney. collection agency or credit grantor's internal collections department `An asletult tartrates lb. e ma, b• a needle,. Milan c.a..... Display Payment amount types This is a sample of how trades display: Estimated Account condition S Scheduled and payment status OPEN CUR WAS 30 tt. Account condition only COLL ACCT 25-month payment history -onditions PAID COLL ACC!. C Current Delinquency counters 30 days past due (late +/DEROG 60 days past due date Number of times 30 days delinquent 3 = 90 days past due date 60 = Number of times 60 days delinquent 4 = 120 days past due date 90 = Number of times 90+ days delinquent 5 = 150 days past due date DEROG = Number of times derogatory 6 = 180 days or more past due date e.l!er than 180 days delinquent) 7 = 69, D. H.Y Terms frequency 8 = 42, 87, 89, 94, 98 96 D = Deferred 9 = 66. 67. 86.88, 91.92, 93.91. A. C, E. F, G, P = Single-payment loan Mw, X W = N Current account/Zero balance —no update Weekly received for this trade B = Biweekly 0 = Current with zero balance reported on tape E = Semimonthly = No history reported that month L = Bimonthly B Account condition change/Payment code is Q = Quarterly not applicable T = Triannually G = Collection S = Semiannually Foreclosure Y = Annually J = Voluntary surrender Repossession Charge•oft 2 EFTA00134136 Payment Status Code Payment status Explanation Code Payment status Explanation 00 NO STATUS No status 370 CUR WAS 60 Current account/Was 60 days past due date or CUR WAS 60-2 Current account/Was 60 days past duo date two times 38' CUR WAS 90 Current account/Was 90 days past due date 08" CUR WAS 60-3 Current account/Was GO days past due date three times 39' CUR WAS 120 Current account/Was 120 days past due date 09' CUR WAS 60-4+ Current account/Was 60 days past due date CUR WAS ISO Current account/Was 150 days four or more times past due date 11 CURR ACCT Account in good standing 44* CUR WAS 180 Current account/Was 180 days past due date 14• CUR WAS 90-2 Current account/Was 90 days past due date two times 4r REDEEMD REPO Account now redeemed/was a repossession 15° CUR WAS 90-3+ Current accountf Was 90 days past due date 43' CUR WAS COLL Current account/Was a three or more times collection account, an insurance claim or a 16' CUR WAS 120-2+ Current account/Was government claim or was 120 days past due date terminated for default two or more times 45' CUR WAS FORE Current account/Foreclosure 1?' CUR WAS 150-2+ Current account/Was was started 150 days past due date two or more times 7t• 30 DAY DEL Account 30 days past due date 22' 60 2TIMES Account 60 days past due date 721. 30 2 TIMES Account 30 days past due date two times two lames 23" 60 3 TIMES Account 60 days past due date 73. 303 TIMES Account 30 days past due date three times three times 24* 604* TIMES Account 60 days past due date 74* 304 TIMES Account 30 days past duo date four or more times four times 25' 90 2 TIMES Account 90 days past due date 75' 30 5TIMES Account 30 days past due date two times five times 26' 90 3+ TIMES Account 90 days past due date 76' 3064 TIMES Account 30 days past due date three or more times six or more times 27' 1202+ TIMES Account 120 days past due 77' 30 WAS 110 Account 30 days past due date/ date two or more times was 60 days past clue date 21(0 1502r TIMES Account 150 days past due 78* DELINQ 60 Account 60 days past due date date two or more times 79. DEL WAS 90 Account 30 or 60 days past 294 90 WAS 120" Account 90 days past due due date/was 90 (lays past date/was 120 days or more due date past due date C. DELINQ 90 Account 90 days past due date 31' CUR WAS 30 Current account/Was 30 days 81. DEL WAS 120+ Account 30 or 60 days past past due date due date/was 120 days or more 32' CUR WAS 30-2 Current account/Was 30 days past due date past due date two times DELINQ 120 Account 120 days past 33' CUR WAS 30-3 Current account/Was 30 days due date past due date three times 83" DELINQ 150 Account 150 days past 34' CUR WAS 30-4 Current account/Was 30 days due date past due date four times 84. ()ELMO 180 Account 180 days past 15* CUR WAS 30-5 Current account/Was 30 days due date past due date five times Re* COFF NOW PAY Now paying/Was a charge-off 36* CUR WAS 30-6+ Current account/Was 30 days past due date six or more times 3 'An .1SleiIs* edrnfes thete Oltiy 6.7 4 need /0, Further rewew. EFTA00134137 Purpose type of account Type Short Explanation Type Short Explanation Type Short Explanation code name code name code name OD AUT Auto loan 25 R/V VA real-e at e mortgage 69 GIG Government grant 01 OHS Unsecured loan (terms :n years) 6A CIL Commercial installment loan 02 SEC 26 RIC Conventional real-estate Secured loan 68 C/M mortgage, including Commercial mortgage — (t3 P/S Partially secured loan terms in years purchase money and first 04 H/1 Home-improvement loan mortgage (terms in years) SC CGA Credit granting — possible OS 27 RIO Real-estate mortgage additional offers FHA FHA home - improvement loan (terms in months), with or 6D HEI Home equity without collateral (usually 06 ISC Installment sales contract 70 GOP Government overpayment second mortgage) 07 CHG Revolving charge account 29 71 G/F Government fine REN Rental agreement 08 R/E Real estate, unknown type, za 72 GFS Government tee for service SCC Secured credit card terms in years (revolving terms) 73 GEA Government employee 09 SCO Loan secured by cosigner 2C FMH advance Real-estate mortgage, OA TSL Time-share loan Farmers Home 74 GMD Government miscellaneous Administration (FMHA) debt OC FCC Factoring company (terms In years) 75 G/B Government benefit ebt OE NCP Subscriber numeric inquiry 30 SUM Summary of accounts — 77 RCK Returned check OF CSL Construelion loan — new same status 78 I/I Installment loan OG FSC Flexible spending credit card 31 UNK Unknown — extension of credit, review or collection 7A CLC Commercial line of credit 10 BUS Commercial transaction 33 (revolving terms) with personal liability, E XM Manual mortgage (4999) guarantee or written 7B AGR Agriculture 37 CCP Combined credit plan, inst i uct ion 7C SA A revolving account Service activation — 11 REC Recreational merchandise possible additional offers 3A AUL Auto lease loan 63 PPI 3C LIC Prescreen/Extract post- Government/State licensing 12 EDU Educational loan prescreen inquiry 43 D/C Debit card 13 LEA Lease ES BMP Bimonthly mortgage 47 CIS Credit line secured, payment (terms in years) t4 COS Cosigner (not borrower) revolving 86 MRI Automated mortgage report 15 C/C Check credit or line of credit 48 COL Collection cleptartment/ 87 SMP Semimonthly mortgage 16 F/C FHA cosigner attorney/agency payment (terms in years) (not borrower) OD CM. Cellular phone 69 H/E Home-equity line of credit 17 104 Manufactured home 4f TxC Tax collection (CA SBIE13) (revolving terms) 18 CRC Credit card 50 F/S Family support 8A BCC Business credit card 19 R/F FHA mortgage (revolving terms) SA RES Real estate— 'unite/ liens (terms in years) 86 and nonpurchase money DEP Deposit-related 1A LPI Lender-placed insurance first (terms in years) so rno Medical debt tB LBP Lead rotate business sa R/S Second mortgage — term.. 91 CON Debt consolidation purpose in months 92 UTI Utility company IC PfiG Purchase of household SC CSA Checking or savings — goods possible additional oilers 93 C/S Child support 20 NTE Note loan es UGL Government-guaranteed 91 S/S Spouse support 21 unsecured loan 95 ATV NCS Note loan with cosigner Attorney lees 22 so SGL Government-guaranteed 96 CKG HMG Secured by household Chocking account secured loan goods W C/G Credit granting 87 UN- Government-direct V 1-1+0 Secured by household unsecured loan 9A SHI Secured home improvement goodsfother collateral se SDI Gover nmenl-direct 9B BPG Business line personally secured loan guaranteed 4 EFTA00134138 ECOA codes with definitions Public record glossary Account Explanation Association with account currently active conditions Association terminated as of date reported BK 7-PETIT Petition Chapter 7 bankruptcy (liquidation) X Deceased: This individual has been reported BK 7-DISCHG Discharged Chapter? bankruptcy as deceased. There may or may not be other (liquidation) people associated with this account. BK 7-DISMIS Dismissed Chapter 7 bankruptcy 0 A Undesignated: Reported by Experlan only. (liquidation) BK 11-PETIT Petition Chapter 11 bankruptcy 1 H Individual: This individual has contractual (r eorganization) responsibility for this account and is primarily responsible for its payment Termination code BK 11-DISCHG Discharged Chapter 11 bankruptcy H is to be used only in cases of mortgage (reorganization) loans being assumed by others. FiK 71-DISMIS Dismissed Chapter 11 bankruptcy (reorganization) 2 B Joint account — contractual responsibility: This individual is expressly BK 12-PETIT Petition Chapter 12 bankruptcy obligated to repay all debts arising on this (adjustment of debt - family farmer) account by reason of having signed an BK 12-D1SCHG Discharged after completion Chapter agreement to that effect. There are other 12 bankruptcy (adjustment of debt — people associated with this account who may family farmer) or may not have contractual responsibility. BK 12-DISMIS Dismissed Chapter 12 bankruptcy 3 C Authorized user: This individual is an (adjustment of debt — family farmer) authorized user of this account; another BK 13-PETIT Petition Chapter 13 bankruptcy individual has contractual responsibility. (adjustment of debt) 4 Joint account: This individual participates in BK 13-DISCHG Discharged/Completed Chapter 13 this account. The association cannot be bankruptcy (adjustment of debt) distinguished between joint account — BK 13-DISMIS Dismissed Chapter 13 bankruptcy contractual responsibility or authorized user. (adjustment of debt) 5 Cosigner: This individual has guaranteed CH SUP JUDG Child support delinquency judgment this account and assumes responsibility CH SUP SATIS Child support delinquency should signer default. This code is to be used judgment satisfied only in conjunction with code 7 signer. CIV CL JUDG Civil claim judgment 6 F On behalf of: This individual has signed an CIV CL SATIS Civil claim judgment satisfied application for the purpose of securing credit for another individual, other than spouse. CIV CLVACAT Civil claim judgment vacated either before or atter it has been satisfied 7 G Signer. This individual Is responsible for this FEDTAX LIEN Federal tax lion account, which is guaranteed by a cosigner. This code is to be used in lieu of codes 2 and FED TAX REL Federal tax lien released 3 when there is a code 5 cosigner. SM CL JUDGMT Small-claims judgment w Business/Commercial: This association SM CL SATIS Small-claims judgment satisfied code is used to identify that the company SM CLVACAT Small-claims judgment vacated reported In the name field is associated either before or after it has with the account. been satisfied STATE TX LN State tax lien STATE TX REL State tax lien released SUIT DISMISS Suit dismissed or discontinued SUIT FILED Suit filed 5 EFTA00134139 Kind of business codes Code E xplanation Code Explanation Code Explanation AM Auto rental Fr Sales financing companies LA Air conditioning/heal/plumbing/ AC Auto leasing Fl Investment firms electrical sales AF Farm implement dealers FL Savings and loans —mortgage LF Fixture and cabinet suppliers AL Truck dealers FM Mortgage companies LP Paint, glass, wallpaper store AN Automobile dealers, new FP Personal loan companies Li Lumber/Building material/ Hardware — nonspecific AP Automotive parts FR Mortgage reporters AR Auto repair. body shops FS Savings and loan companies MA Animal hospitals AS Service stations FT Investment securities MB Dentists AT TBA stores, tire dealers FU Bulk purchase finance MC Chiropractors AU Automobile dealers, used FW Bulk purchase finance — general MD Doctors AZ Automotive— nonspecific FY Miscellaneous loan broker MF Funeral homes FZ Finance companies — nonspecific MG Medical group BB All banks — nonspecific MH Hospitals and clinics BC Bank ci edit cards GD Da lr tes MM Cemeteries BO Bank — installment loans GN Neighborhood grocers MO Osteopaths BM Bank — mortgage department GS Supermarkets MP Pharmacies and drugstores RN Industrial bank GZ Groceries — nonspecific MS Optometrists and optical outlets BO Co-op bank MV Veterinarians BS Savings bank HA Appliance sales and service M2 Medical and related HC Carpets and floor coverings health — nonspecific CG General clothing store HO Interior decorators/designers CS Specialty clothing store HF Home furnishing stores NA Airlines C2 Clothing store — nonspecific HM Music and record stores ND Credit card — department store HR Furniture rentals NF Credit card — finance company DC Complete department stores HT TV and radio sales and service NS Credit card — savings and loon DV Variety stores HZ I tome furnishings — nonspec if it NU Credit card —credit union D2 Department and variety NZ National credit card/airlines — stores — nonspecific IG General insurance nonspecific IL Life insurance ES Business education IZ Insurance — nonspecific OC Oil company credit cards EC Colleges OZ Oil companies — nonspecific EL Student loans JA To ;refers ET Technical education JP Computer sales and service PA Accountants and related services EU Universities JV Videotape rental and sales PB Barber and beauty shops EV Vocational and trade schools JZ Jewelry/Cameras and PC Equipment leasing EZ Education — nonspecific conmptll er s — nonspecific PD Dry cleaning/Laundry/related PE Engineering/all kinds FA Auto financing companies KG General contractors PF Florists FB Mortgage brokers KI Home-improvement contractor PG Photographers FC Credit unions KS Suhcontractors PH Health and fitness clubs FD Bail bonds KZ Contractors — nonspec it P1 Detective service 6 EFTA00134140 Code Explanation Code Explanation Code Explanation Pt. Legal and related services UL Long-distance phone company YL Collections attorney PM Check-cashing services UO OnlinelInternet services YR Repossession company PN Restaurants/Concessions UP Cellular and paging services TZ Collections — non specific PP Pest control UR Waste recyclinggiandlers PR Country clubs US Sat elliteTV/Direct ZA Auto reseller broadcast providers ZB PS Employment screening Credit report brokers UT Local telephone service provider PZ Personal service (nonmedical) — ZC Credit reporting agencies ionspecif ic UV Home security company ZD Direct-to-consumer reseller UW Wireless telephone service provider ZE Employment reseller QZ Mail-order houses — nonspecific UZ Utilities and fuel — nonspecific ZF Finance reseller ZI Insurance reseller RA Apartments VC City and county ZL Leasing and rental reseller RC Office leasing VF Federal government ZM Manufacturing RD Mobile home dealers VK Child support sei vices 2P Personal service reseller RE Real-estate sales and rentals VL Law enforcement ZR Retail not elsewhere classified RH Hotels VS State government ZS Services not elsewhere classified RM Motels VX Court codes 2T Tenant screeners reseller RP Mobile home park VZ Government —nonspecific 2W Wholesale not elsewhere classified RR Property and property ZY Collection reseller management company WA Automotive supplies ZI All others not elsewhere classified RI Real-estate/public WB Building supplies/Hardware accommodations — nonspecific WC Clothing and dry goods WD Drugs. chemicals and related goods SA Aircraft sales and service WG Wholesale grocery and SB Boats and marinas sales related products and service WH Home furnishings SM Motorcycles and bicycles sales and service WM Machinery, equipment supplies Si Sporting goods —nonspecific WP Credit card processors W2 Wholesale —nonspecific TC Farm chemicals and fertilizer stores TF Feed and feed stores XO Direct-mail list services TN Nursery and landscaping XL List processing vendors Ti Farm and garden supplies/ XM Media services — nonspecific KZ Advertising — nonspecific UA Water utilities/Bottled water YA Collection department —ACB UC CableTV providers credit bureau UO Garbage and rubbish disposal Ye Collection department — bank UE Electric light and power company Ye Other collection agencies OF Fuel oil distributors TO Collection department — department store UG Gas company, natural and bottled YF Collection department — UH Coal and wood suppliers loan company 7 EFTA00134141 Special comment codes Code Descri it nn Code Descr iption Account payments being managed by financial counseling service ,43as/ 12, Account legally paid in full for less than the full balance AV. First payment never received C Paid by cosigner AW Affected by natural or declared disaster F Primary maker filed bankruptcy AX Account paid by collateral Secondary maker tiled bankruptcy AY Now paying Account closed due to transfer or refinance AZ Redeemed repossession H Assignor —loan has been assumed by another party BA Transferred to recovery 1 Election of remedy — reported by subscriber SB Full termination/status pending ;ft Account closed at credit grantors request SC Full termination/obligation satisfied O Transferred to another lender BD Full termination/balance owing Special handling — contact subscriber if more information is needed BE Ear ly termination/status pending Adjustment pending — reported by subscriber SF Early termination/obligation satisfied AS Debt being paid through Insurance SG Early termination/balance owing AC Paying under a partial or modified payment agreement BH Early termination/insuiance loss AF Single payment loan Bt Involuntary repossession AG Simple interest loan 8.1 Involuntary repossession/obligation satisfied AH Purchased by another lender ex Involuntary repossession/balance owing Al Recalled to military active duty BE Credit card lost or stolen :F.G1 Payroll deduction ON Paid by company who or iginally sold the merchandise AI. Student loan permanently assigned to government BO Foreclosure proceeding started ,t! Account payments assured by wage garnishment BP Paid through insurance AN Account acquired by RTC/FDIC/NCUA BS Prepaid lease An Voluntarily surrendered — then redeemed BT Principal deferred/interest payment only AP Credit line suspended CH Guaranteed/insured Contingent liability CI Closed due to inactivity AS Account closed due to refinance DM Acquired from another lender AT Account closed due to transfer MR Substitute/replacement account Compliance condition codes XF = Account in dispute under Fair Credit Billing Act (FCBA) XB = Account information disputed by consumer XG = FCBA dispute resolved — consumer disagrees XC = Completed investigation of Fair Credit Reporting Act XH = Account previously in dispute —now resolved. reported (FCRA) dispute —consumer disagrees by credit grantor XD = Account closed al consumer's request and in dispute XJ = Account closed at consumer's request and in dispute under FCRA under FCBA XE = Account closed at consumer's request and dispute X2 = Account closed al consumer's request investigation completed — consumer disagrees Expolian Inform May. Solo.oris. In.. • Al typists italay.1 Espenan 4/5 Anion Blvd. Ulkle.1 and Si mad•••• tor., hetet. re rnaoLs or Costa Mesa. CA 92626 tagellarid friflornamlie or Fopome S•Mulions T: I VS 414 1120 www:m0mmo.corn O69a soraity nwt•ts nitml.onui !Kies sin sy b. dui Nsfrif ovio, inrassa • ww.c.cs EFTA00134142 Unsurpassed data precision Credit Profile Report and file coverage • •••• •• • 6:•• ••• •65 Experian ••• The best decisions begin with the best information. The Credit Profile Report from Experian offers unparalleled accuracy and superior data quality generated by the File One system. Experian's Credit Profile Report gives Easy to read —Our format groups you the accurate, current and complete similar data elements together for information you need to: faster analysis. • Acquire new business — Make Flexible — Optional display decisions about new customers formats are available. and new accounts with speed and accuracy Current and relevant credit information • Manage customers — Monitor, evaluate and make decisions based Higher hit ratios and more on changes in the customer profile complete files as they occur Unique file matching system that Maximize collections — Detect examines many variables potential fraudulent activity and take action where your recovery Saves you time and money chances are greatest • Eliminates multiple inquiries • Replaces manual searches File One" is your key to profitable for information decision making For your reference. a sample Credit Complete — File One is the most Profile Report is provided on the comprehensive nationwide consumer following pages. credit information available. Accurate — High-integrity, current information is provided. EFTA00134143 Inquiry sample • •• • TCA1 6: txperian RTS 3122250X1J CONSUMER,JONATHAN QUINCY 999999990. CONSUMER.NANCY CHRISTINE 123456789. CA-10655 NORTH BIRCH STREET/BURBANK CA 91502, PH-714.555.1111, DL: CA N2345678, PA-1314 SOPHIA LANE APT 43/SANTA ANA CA 92708-5678. Y-1951, 7-04048060: E-AJAX HARDWAREY2035 BROADWAY SUITE 3004_0S ANGELES CA 90019 Credit Profile Report • •• . 13:Experian- TCA I RTS 3122250)010 CONSUMER.JONATHAN QUINCY© 999999990:0 CONSUMER,NANCY CHRISTINE 123456789;0 CA-106SS NORTH BIRCH STREET/BURBANK CA 91507,0 PH-714.555.111LO Dl: CA N2345678; O PA-1314 SOPHIA LANE APT Y3/SANTA ANA C A 92708-5678,0 Y-1951.0 T-04048060; 0 E -AJAX HAROWARE/203S BROADWAY SUITE 300/LOS ANGELES CA 90019 a Experlan's Credit Profile Report Inquiry Files on more than 215 million credit-active consumers nationwide a Subscriber number and password are maintained in Experian's database. b Consumer's name Your inquiry initiates a search of this database. which produces an C Social Security number (SSN) applicant's credit history — the Credit d Spouse's name and SSN Profile Report. An illustration and description of a sample Credit Profile Current address Report follow. f Telephone number Reminder: To ensure compliance Driver's license number with the Fair Credit Reporting Act, reasonable care should be taken to input h Previous address accurate identification belonging to the Year of birth consumer when requesting services. Type of terms and amount k Employment 2 EFTA00134144 • •• • •f Experian- BIRCH TCA1 RTS 3122250*** CONSUMER,JONATHAN QUINCY 999999990;CA-10655 NORTH STREET/BURBANK CA 91502 1:101. PAGE 1 DATE 3-28-2006 TIME 11:19:56 V001 TCA1 0 JONATHAN QUINCY CONSUMER SS:999-99-9990 E: AJAX HARDWARE 10655 N BIRCH ST 234-56-7891* 2035 BROADWAY SUITE 300 BURBANK CA 91502-1234 123-45-6789* LOS ANGELES CA 90019 RPTD: 4-01 TO 1-04 U DOB: 1/10/1951(D RPTD: 6-04 I LAST SUB: 2390446 E: BELL AUTOMOTIVO *1314 SOPHIA LN APT 3 111 MAIN STREET SANTA ANA CA 92708-5678® BURBANK CA 91503 RPTD: 1-99 U 1X RPTD: 5-97 TO 11-02 I LAST SUB: 1199999 ® *2600 BOWSER ST #312 LOS ANGELES CA 90017-9876 RPTD: 9-97 I *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR O Consumer identifying information 3 Last subscriber reporting 7 Consumer's year of birth or date the consumer at his or her of birth. 1 A code that identities the current address. 8 Employer's name and address, Experian or credit reporting including time frame reported agency office nearest to the 4 Consumer's previous addresses with source, in order by reliability and source. consumer's current address. Used U = Update tape of source. for consumer referrals. I = Inquiry 5 An asterisk preceding any address 2 Consumer's name and address, 9 Previous employer's name and indicates the address did not match Including time frame reported, address, with time frame reported inquiry address. source and number of subscribers and source. reporting the address. 6 Consumer's Social Security U = Update tape number and other Social 10 Alternate names such as different, I = Inquiry Security numbers reported on previous surnames or nicknames M = Manual data the consumer's file, in descending associated with the consumer's file. P = PDS — Experian's order based on number of proprietary data source occurrences reported; asterisk denotes any social not matching inquiry input social. 3 EFTA00134145 DEMOGRAPHICS PH: 818.555.1111 UR PH: 706.432.9876 IB PH: 213.876.1234 UB GEO: 35 123 456789 0 1234 FRAUD SHIELD SUMMARY INPUT SSN RECORDED AS DECEASED INQ: PHONE ANSWERING SERVICE: DOB: 1-10-1951 DOD: 3-30-2004 ABC ANSWER-ALL INPUT SSN ISSUED 1965-1966 10655 N BIRCH ST TELEPHONE NUMBER INCONSISTENT W/ADDRESS BURBANK CA 91502 FROM 12-01-05 INQ COUNT FOR SSN=5 FROM 12-01-05 INQ COUNT FOR ADDRESS=15 FILE: COMMERCIAL BUSINESS ADDRESS: J&J INVESTMENTS 2600 BOWSER STREET #312 LOS ANGELES CA 90017 213.111.2222 PROFILE SUMMARY CNT 05/03/05/23 PUBLIC RECORDS 3 PAST DUE AMT--$3,644 INQUIRIES--3 SATIS ACCTS---6 INSTALL BAL--$27,750 SCH/EST PAY---$1,327 INQS/6 MO--3 NOW DEL/DRG---2 R ESTATE BAL-$263,551 R ESTATE PAY--$1,887 TRADELINE-10 WAS DEL/DRG---2 REVOLVNG BAL--$2,123 REVOLVNG AVAIL---77% PAID ACCT--1 OLD TRADE-12-89 rik ANTAGESCORE SCOREX PLUS NEW ACCT SCORE SUMMARY = = 611 SCORE FACTORS: 91, 50, 12, 31 518 SCORE FACTORS: 61, 63, 40, 56 BANKRUPTCY PLUS = 1040 SCORE FACTORS: 39, 48, 90, 34 le ilik. Demographics Demographics contains the consumer's Fraud Shield- Summary Fraud Shield' Summary contains Score Summary Risk model scores are generated telephone number (including source and messages related to the Fraud Shield phone type): if you use Experian's credit risk baud prevention services. Optional with models. Optional with RM keyword on R = Residential SHIELD keyword on inquiry or contact B = Business inquiry or contact your Experian sales your Experian sales representative. representative. May also optionally C = Cellular display score factor code definitions. pi P = Pager T = Pay telephone . Profile Summary F = Fax I = Institution Profile Summary contains 17 significant Also includes GEO code calculations from the Credit Profile Report. Optional with PRIM keyword of the current address. Optional on inquiry or contact your Experian by contacting your Experian sales representative. sales representative. 4 EFTA00134146 *SO CALIF DISTRICT COURT C#: 45078321 11 PUBLIC RECOR 6-21-03 1 12 7-01-04 BP: B476P2109 3011111 19 $12,450 CO LIEN REL 0 18 9-19-03 3019999 $1,200 CIV CL JUDG *COUNTY SPR CT SANTA ANA D#: 7505853 1 BP: B1234P50987 PLAINTIFF: ALLIED COMPANY® 6-12-00 1-11-01 3009999 $129,803-1, BK 7 -PETIT *U S BANKRUPTCY COURT D#: 350545399062345612 $85,500-A VOLUN TRADES SUBSCRIBER OPEN AMT-TYl AMT-TYP2 ACCTCOND PYMT STATUS TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HI STORY SUB# KOB TYP LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH ACCOUNT # 10-03 $1,590-O COLLACCT *CREDIT AND COLLECTION 12-25-06 $1,590 11-03 (28) GGGG-GGGGG-GG 3980999 YC COL 1 $1,590 11-03/G GGGGGGGG-G-- 98E543182136 ®ORIGINAL CREDITOR: MEDICAL PAYMENT DATA ACCOUNT INFORMATION DISPUTED BY CONSUMER* **DEBT BEING PAID THROUGH INSURANCE** 3-03 $500-L $775 -H PAID CUR WAS 30 I SLAND SAVINGS 2 4-20-05 4-05 (26) BCCCCCCCCCCCC 1211248 BC CRC REV 4-05 CCC1CCCCCCCC 405855254820 **ACCOUNT CLOSED AT CONSUMER'S REQUEST** 2-05 $2,000-L OPEN CURR ACCT HEMLOCKS 6-10-06 $2,000 2-05 (17) NNNNUNNDINNNNN 2313849 DV ISC 024-D 3 O 82851031 11261 NNNN DEFERRED PAYMENT START DATE: 03/01/2007 0 00 Public records Public record information consists 19 Book and page number. 20 Plaintiff's name. 23 Compliance condition code reported by a subscriber to distinguish accounts that are "Closed by Consumer" andfor of bankruptcies, liens and civil actions 21 Liability and asset amounts against a consumer. for bankruptcies only. "Disputed Accounts." 11 Reporting court's name. 22 Voluntary indicator only; may 24 Special comments reported display as VOLUN if consumer by a subscriber or consumer to 12 Original filing date with court. voluntarily dismissed bankruptcy. distinguish accounts that may require special handling. 13 Status date if status is satisfied, released, vacated, discharged or dismissed. 14 Reporting court's 10 . Trades Any or all of the following information 25 "D" indicates the terms of the loan have been deterred to a future date. may appear if provided by a subscriber: subscriber number. a. Original credit grantor name 15 Amount of public record. for third-party collection 16 Type of public record. agency tradelines 17 Certificate ID or docket number. b. Balloon payment information (date and amount) or deferred payment 18 Code describing the consumer's start date for deterred loans association to the public record item per the Equal Credit Opportunity Act. 5 EFTA00134147 *CENTRAL BANK 9-05 $21,424-0 OPEN DELINQ 30 1132912 BI AUT 59 12-28-06 $19,814 2-06 ( 6) 1CCCCC 23802654388 $40(6, $400 ON *MOUNTAIN BANK° 10-02 0 41 # $43,337-0 ama OPEN 60 4+ TIMES -(9 0-3,62A019 425 a RS- 1119999 RI SEC (3, 60 1 4-06-06 2-06 $4,346 $827 $ 4-06 (! )54 \Ia.(42) 11-03/1 21-1C1C111CC2 2211CC211111 C.) C) *BAY COMPANY 6-95 $1,730-L $2,437-H BK7PET e CHARGOFF 2390446 DC CHG REV 1 7-07-00 $0 7-00 (62) 9LL665432121C 525556601 10-99 CC-CCCCCCCCC TCA1 RTS 3122250*** CONSUMER,JONATEAN QUINCY 999999990;CA-10655 NORTH BIRCH STREET/BURBANK CA 91502 EMPLOYEES CREDIT UNION 6-02 $12,500-L $10,659-H OPEN CURR ACCT 1220855 BC CRC REV 2 3-24-06 $0 3-06 ( 4 6 ) OCCCCCCCCCCCC 5396258022578 10-05 CCCCCCCCCCCC HOME FINANCIAL 7-02 $275,000-0 OPEN CURR ACCT 5935250 FM R/E 30Y 2 1-31-06 $263,551 1-06 ( 3 8 ) C -CC -CCCCCCCC 24000098500012 1-06 $1887 CCCCCCCCCCCC CDMIN: 123456789012345678 c. Mortgage Identification Number 35 Balance date is the date of 45 Maximum delinquency and (MIN) for mortgage tradelines the subscriber's reported update payment code is the most recent 26 An asterisk preceding public on account. date and code of the worst status. record information or a tradeltne 36 Date of consumer's last payment 46 Payment status comments reflect indicates that information may need on the account. the payment history of the account further review. as of the balance date. 37 Amount of the loan or credit 27 Reporting subscriber's name. established. 47 Consumer's payment history 28 Reporting subscriber's number. 38 Indicates if the amount is an original during the past 25 months loan (0), credit limit (L), high beginning with the month 29 KOB (Kind of Business) Code represented by the balance date. describes a subscriber's business. balance (H), initial charge-off (C) or unknown (blank). The codes reflect the status of the The first letter designates an account for each month and are industry. The second character 39 Current balance on the account. displayed for balance reporting more narrowly defines a subscribers only: subscriber's business. 40 Payment amount the consumer is scheduled to pay on the account. C Current 30 Type of account. 41 Payment level date is the current N Current account/Zero 31 Terms of account. status date. balance — no update tape 32 Code describing consumer's 42 The amount past due for received for this trade association to the account per the account. 0 Current account/Zero the Equal Credit Opportunity Act. balance — reported on 43 The account condition indicates 33 Consumer's account number. the current condition of account. update tape 34 Date the account was opened. 44 Months reviewed indicates the I 30 clays past the due date total number of months history has 2 60 days past the due date been maintained for the account. 3 90 days past the due date 6 EFTA00134148 12-89 $15,000-L $8,479-H OPEN CURR ACCT STATE BANK 1 2-27-06 $2,123 2-06 (50) CCCCCCCC CCCCC 1299987 BC CRC REV 32 2-06 $100-A ® CCCCCCCCCCCC 42710082 ® PURCHASED PORTFOLIO FROM: SOUTHWES T BANK 6-00 UNK OPEN CURR ACCT ABC UTILITY COMPANY 3591234 UT UTI 1 1 2-28-06 2-06 (1) C 268A3B86C8 1-06 Ill ij HEMLOCKS BAY COMPANY 01-05-06 12-03-05 INQUIRIES 2313849 DC 2390446 DC $1,500 CHG REV HILLSIDE BANK 10-21-05 2240679 BC tk CONSUMER STATEMENT* 06& 01-20-06 MESSAGES ID FRAUD VICTIM ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY CONSENT TO FRAUDULEN TLY OBTAIN GOODS MY IDENTITY MAY HAVE BEEN USED WITHOUT FIRST CONTACTIN G ME PERSONAL LY AND OR SERVICES. DO NOT EXTEND CREDIT WITHOUT VERIFYING ALL APPLICATION INFORMATION AT DAY 555-555-5 555 OR EVENING BEGINNING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS 01-20-06. CONSUMER ASSISTANCE CONTACT: EXPERIAN ALLEN, TX 75013 END -- EXPERIAN 4 5 120 days past the due date 150 days past the due date - (dash) No history reported for that month No history maintained; ap, Inquiries Inquiries indicate that a Credit Profile Blank Report was received on that date by 6 180 days past the due date see payment status the subscriber listed. Inquiring 7 Chapter 13 Bankruptcy comment subscriber name, number and KOB (Petitioned, Discharged. are shown.Type, terms and amount 48 Two amounts may display. Reaffirmation of debt Indicates the account has a $12,500 may display and are from the rescinded) (L)imit and the (H)ighest balance subscriber's inquiry input. 8 Foreclosure proceeding, was $10,659. 9 deed in lieu Chapter 7, 11 or 12 Bankruptcy (Petitioned, Discharged, 49 Actual monthly payment is indicated by the "-A" directly after the monthly payment amount; rfr Messages The Messages section may include general consumer statements Reaffirmation of debt represents the actual payment and informational or other special rescinded) amount received by the lender for messages Consumer statements that reporting period. relating to a tradeline or public record G Collection Scheduled monthly payment is item appear directly after the item. H Foreclosure implied if there is no "-A" or "-E." 50 Name, address and telephone J Voluntary surrendeu Estimated monthly payment number of Experian's consumer K Repossession is indicated by the "-E" directly assistance office or credit after the monthly payment amount, reporting agency nearest to the L Charge-off calculated by Experian based on consumer's current address. Use B Account condition change, reporter's formula. for consumer referrals. Display is payment code not applicable elective; contact your Experian d. Poi tfolio "Sold To:" or "Purchased sales representative. From:" name 7 EFTA00134149 175 Anion Blvd. Costa Mesa. CA 9262 1: t 885114 1120 VI.Iteipti Ian COM L'Jlx E i .4 bat:taught. &Mew. Inc • Al r4••, raw. rod Eratnan and IM t.yr la sant hem.. me caw .. mart.* o. reirsiecol Itniinnmks E•lw at•takwa n't". Sglohrs Mc CIOno raoSuct and oa,petry Mena% irenlicral horn' mi. la: IN listlaIll.“ al Otte tespothre *Aron I 105 • MIMI • Or I.CS EFTA00134150